Call reports 2018
GIFFORD STATE BANK, THE — 2018
What GIFFORD STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 168,568,000 | 153,091,000 | 151,671,000 | 153,651,000 |
| Total loans | 123,252,000 | 130,046,000 | 131,876,000 | 131,539,000 |
| Allowance for loan losses | 2,079,000 | 1,966,000 | 2,261,000 | 2,617,000 |
| Securities available for sale | 3,012,000 | 3,276,000 | 3,410,000 | 3,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,113,000 | 131,552,000 | 130,127,000 | 132,099,000 |
| Interest-bearing deposits | 113,742,000 | 110,441,000 | 109,638,000 | 108,723,000 |
| Noninterest-bearing deposits | 23,371,000 | 21,111,000 | 20,489,000 | 23,376,000 |
| Equity capital | 15,492,000 | 15,582,000 | 15,649,000 | 15,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,397,000 | 5,163,000 | 6,781,000 |
| Interest expense | 190,000 | 378,000 | 571,000 | 776,000 |
| Net interest income | 1,504,000 | 3,019,000 | 4,592,000 | 6,005,000 |
| Noninterest income | 113,000 | 260,000 | 371,000 | 724,000 |
| Noninterest expense | 1,029,000 | 2,057,000 | 3,129,000 | 4,331,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,350,000 |
| Pretax income | 288,000 | 622,000 | 934,000 | 1,048,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 622,000 | 934,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,552,000 | 15,656,000 | 15,737,000 | 15,572,000 |
| Total capital | 17,176,000 | 17,312,000 | 17,416,000 | 17,238,000 |
| Risk-weighted assets | 129,430,000 | 132,055,000 | 133,738,000 | 132,355,000 |